In this episode:

• 
  3:22 The Pension Predicament


• 
  4:42 Retirement Funding Choices


• 
  5:10 Historical Perspective on Retirement Plans


• 
  7:57 Today’s Retirement Landscape


• 
  10:07 Future of Pensions


• 
  14:03 No Guarantees in Retirement


• 
  14:34 Importance of Retirement Planning


• 
  15:54 Listener Question: 401k Strategies


• 
  19:37 Halloween Spending and Traditions


• 
  24:51 Cost of Halloween Treats


• 
  28:15 Candy Industry Insights


• 
  30:45 Fidelity ETF Discussion

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